Karen Dalmau is a financial advisor at Oppenheimer with 17 years of industry experience. She holds a Series 66 designation and has previously worked at Edward Jones, Morgan Stanley, and UBS. Outside of her advisory role, she manages a studio rental property in Ventura, California. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs including discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm’s investment approach varies by program and includes strategic and tactical asset allocation, manager selection, and periodic rebalancing across equity, balanced, and fixed income strategies.

Brian Ararat is a financial advisor with Citigroup Global Markets in New York, NY, holding a Series 66 designation and six years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America, Merrill, Uber, and Value Line. He is also affiliated with Southern New Hampshire University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees to select and monitor managers, blending institutional scale with unique market roles such as swap dealing and futures commission services.

Peter Klarides is a financial advisor with OSAIC Institutions, Inc. based in New York, NY. He holds Series 63 and Series 66 licenses and has 39 years of industry experience. His prior roles include positions at HSBC Bank USA, N.A., HSBC Securities (USA) Inc., and Infinex Investments, Inc. He is also employed at Popular Bank. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm provides customized advisory services, financial planning, ERISA plan services, and access to alternative investments through a hybrid adviser/broker-dealer model and a network of investment adviser representatives.

Emilio Dorador is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds a Series 66 designation and has previously worked at The NPD Group as well as in academic roles at the University of British Columbia and Instituto Tecnologico y de Estudios Superiores de Monterrey. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies and a broad range of advisory programs. The firm operates with large institutional scale, providing discretionary and non-discretionary portfolio management alongside broker-dealer execution and custody services.

Catherine Ng is a financial advisor at HSBC Securities (USA) Inc. in New York, NY, with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with HSBC Securities and HSBC Bank USA since 2011. Outside of her advisory role, she serves as a board director of the Kiwanis Club of Chinatown, a nonprofit organization focused on supporting children, the elderly, and community events. HSBC Securities (USA) Inc. offers managed account programs to individual, retirement, charitable, and corporate clients through a variety of client-directed and discretionary portfolio options. The firm employs multiple model risk profiles and integrates global asset management expertise with ongoing fund due diligence, while operating as both an SEC-registered adviser and broker-dealer.

Roderick Rodriguez is a financial advisor with OSAIC Institutions, Inc. holding Series 63 and Series 65 licenses and with 30 years of industry experience. He has been with Infinex Investments, Inc. since 2016. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with a focus on both discretionary and non-discretionary assets.

Scott Bolio is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Citigroup since 2019 and previously spent four years with RBC Capital Markets. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, leveraging internal standards and oversight committees to select and monitor managers.

Michael Bodnar III is a financial advisor at Oppenheimer with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Oppenheimer & Co since 2006. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering various advisory programs including discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm’s investment approach includes strategic and tactical asset allocation, manager selection, and periodic rebalancing across multiple strategies.

Mordechai Moscowitz is a financial advisor with Eagle Strategies (NY Life) in Brooklyn, NY, holding Series 65 and Series 63 licenses and having two years of industry experience. Prior to his current role, he worked with NYLIFE Securities LLC and New York Life. Outside of advising, he teaches Title One English at an elementary school through Catapult Learning. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers a range of customizable solutions, including fee-based advice and retirement plan consulting, with an emphasis on tailoring recommendations to client objectives and plan sponsor criteria.

Joseph Orsini is a CFA® charterholder and holds a Series 66 license with five years of industry experience. He is currently with Oppenheimer & Co, having held multiple roles within the firm and other advisory firms since 2015. His career includes experience at Eaglebrook Advisors and Meli Vora Advisors. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans through a variety of advisory programs including discretionary and non-discretionary portfolio management, financial planning, and consulting services. The firm employs a range of investment approaches tailored to specific programs and advisors, managing over $36 billion in client assets as of the end of 2025.

Michael Fragapane is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including PGIM Investments, Prudential Investment Management Services, Bank of America, Merrill, and AXA Advisors. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and integrates internal standards and oversight committees to select and monitor investment managers.

Kevin Ruiz is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. Ruiz also taught at John Jay College for three years. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services.

Michael O'Brien is a CFP® professional with three years of experience at Creative Planning and over a decade of prior experience at Joel Isaacson & Co., LLC. He is based in Brooklyn, NY. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm offers a financial planning-led investment process focused on low-cost indexing and buy-and-hold strategies, supplemented by direct indexing and tax-loss harvesting, supported by a large advisory team and centralized investment infrastructure.

Joe Liew is a financial advisor at Citigroup Global Markets with 29 years of industry experience. He has been with Citigroup since 2013 and holds Series 63 and Series 65 designations. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm utilizes multi-asset, multi-manager strategies and manages both discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Mark Rappoport is a financial advisor at Principal Financial Services with 27 years of industry experience. He holds a Series 63 designation and has worked with Principal Securities Inc and Principal Life Insurance Company since 1998. He also sells small group health insurance outside of his advisory role. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Reie Levi is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY. He holds Series 63 and Series 66 licenses and has nine years of industry experience. Levi has worked at New York Life Insurance Company and NYLIFE Securities LLC since 2017 and has operated Levi FS, LLC and Ostberg & Associates Financial Services and Insurance, LLC since 2026. He is also active as an insurance broker for non-registered products. Eagle Strategies serves a diverse client base, including individual investors and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages most assets on a non-discretionary basis through various program types within the integrated New York Life affiliate structure.

Matthew Costanzo is a financial advisor at HSBC Securities (USA) Inc. with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at HSBC in various roles since 2015. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through multiple program types, ranging from client-directed to fully discretionary portfolios. The firm uses a structured investment process with diverse risk profiles and partners with affiliated and third-party providers for advisory, fund selection, and custody services.

Paramveer Singh is a CFA® charterholder with 14 years of industry experience. He is currently with Oppenheimer in New York, NY, where he has worked in multiple periods since 2019. His prior experience includes roles at Merrill Lynch and BofA Securities. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation alongside manager selection and various investment strategies.

Akram Alabbassi is a financial advisor at Eagle Strategies (NY Life) with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Eagle Strategies since 2014. He also maintains longstanding roles at Nylife Securities LLC and New York Life Insurance Company since 2003. Eagle Strategies serves a diverse client base including individuals, institutions, and retirement plan sponsors, providing financial planning, investment management, and retirement advisory services. The firm offers various program types tailored to client objectives and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Kylee Gallagher is a financial advisor at Citigroup Global Markets with two years of industry experience. She holds a Series 66 designation and has previously worked at USAM Group and attended the University of Miami. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large-scale institutional capabilities alongside unique market roles such as acting as a swap dealer and futures commission merchant.